SBA Loans from MCB Capital

MCB Capital specializes in SBA Loans for Owner Operated Businesses that are located in the U.S. We work with most Business Types.

Passionate – Dedicated – Professional

SBA LOANS

MCB Capital has been specializing in SBA Loans since 2016. We understand how to put together an SBA Loan Package to optimize approval chances.

SBA 7(a) Loans

SBA 7(a) Loans up to $5M+

SBA 504 Loans

SBA 504 Loans up to $15M+

Pari Passu Loans

We may be able to assist with a pari passu loan

SBA Loan Programs

MCB Capital proudly offers the following SBA Loan Programs. Please contact us with any questions or for assistance in applying for an SBA Loan.

MCB Capital specializes in the SBA 7(a) Loan Program. It is the most popular SBA Loan. Many SBA Lenders are capped at a maximum loan amount of $5 Million, however our Lending Partners will lend up $6.5 Million with a Pari Passau loan.

Some of the Benefits of the SBA 7(a) Loan include:

  • Long Repayment Terms – up to 25 years which can greatly reduce monthly payments
  • Frees up cash to expand your business
  • Low Down Payment – as little as 10% on multi-purpose real estate acquisitions and as little as 15% on single-purpose real estate acquisitions
  • Financing available for most industry types including: Hotel/Motels, Gas Stations/Convenience Stores, Restaurants, Assisted Living Facilities, Self-Storage Properties and Day Cares just to name a few. Financing under the SBA 7(a) is available to most owner/operated businesses located in the U.S.

MCB Capital can assist with an SBA 504 Loan up to $15 Million.

Some Benefits of the 504 Loan include:

  • Low down payment of only 10% on certain property types
  • Long repayment terms – reducing monthly payments
  • Many rate options including long term fixed rates
  • Frees up cash flow to expand your business
  • Associated fees and soft costs may be financed in the loan

Thank you for your interest in obtaining an SBA Loan through MCB Capital. We will need the following items in order to review your loan request with an Underwriter.

Please note we will need these items from all owners holding a 20% or more ownership interest.

  1. Loan Intake Form
  2. Loan Application – we will assist in completing
  3. SBA Resume
  4. SBA Personal Financial Statement
  5. 2 Forms of Identification – Passport and Driver’s License (must be a US Citizen to qualify)
  6. Most recent 3 Years Personal Tax Returns – need Federal Return only complete with all schedules and including any/all W-2’s and K1’s
  7. Most recent 3 Years Business Tax Returns on all entities where an owner has a 20% or more ownership interest
  8. Current Year to Date Financials – Profit and Loss Statement with Balance Sheet through end of the most recent month
  9. If this is a new purchase loan request, we will need a copy of executed purchase agreement

We will provide you with a secure link to upload documents to if needed or you can email to mia@mcbcapital.com whichever you prefer.

Passionate – Dedicated – Professional

work with MCB Capital on your SBA loan request

Our Process to get your SBA Loan Request Approved.

SBA Loans typically take 45 – 60 days to close from acceptance of a term sheet.

Complete Application

Complete our Loan Application and gather required documents.

Initial Underwriting

Initial review of business financials and other supporting documents.

Term Sheet

After Initial Underwriting if everything looks good a term sheet is issued.

Third-Party Reports

Borrower puts up a deposit and third-party reports are ordered.

Final Underwriting

Review of Third-Party Reports and issuance of Loan Commitment.

Loan Closing

Upon acceptance of the Commitment Letter loan goes into closing.

MCB Capital offers SBA Loans in all States through our Bank Lending Partners.

Important Disclosures and Information

All loan programs are subject to credit approval and loan amounts are subject to creditworthiness. Other underwriting standards and restrictions may apply. MCB Capital is committed to the protection of personal information we collect and process. For more information about how we protect your privacy, please visit https://mcbcapital.com/privacy-policy-2/